Mortgage lending in Randall County
3,570 mortgages were originated in Randall County, Texas, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,570
- Median rate
- 6.625%
- Median lender fees
- $5,797
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $215,000
- Above the going rate (spread over APOR)
- 0.281
- Paid discount points
- 30.8%
- Received lender credits
- 25.2%
- Purchases / refinances
- 65.4% / 22.9%
- Conventional / FHA / VA
- 68.5% / 22.1% / 9.3%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 73.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $253,000
- That home, 20% down
- $202,400
A median-priced home with 20% down leaves $630,350 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Randall County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Amarillo National Bank | 792 | $4,657 | 6.875% |
| Alliance Credit Union | 218 | $4,222 | 6.250% |
| Texas Tech Federal Credit Union | 197 | $6,587 | 6.375% |
| Rocket Mortgage, LLC | 168 | $6,147 | 6.750% |
| Education Credit Union | 133 | $1,194 | 6.875% |
| Right Start Mortgage, Inc. | 132 | $10,282 | 6.625% |
| First United Bank | 120 | $7,146 | 6.313% |
| Eustis Mortgage Corporation | 114 | $8,897 | 6.500% |
| Associated Mortgage Corporation | 112 | $6,796 | 6.500% |
| United Shore Financial Services, LLC | 95 | $6,719 | 5.990% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Randall County — not a rule of thumb.
From 2,609 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers